Collison Damage Insurance

For additional information regarding the plan, call
Berkely at 1.877.892.7951 or 1.516.342.2720

Office Hours: 8:00 AM - 10:00 PM ET, Monday - Friday, 9:00 AM - 5:00 PM ET, Saturday

Important
This program is effective when the appropriate plan cost has been paid.
Please keep this document as You will not receive any other coverage materials.

Underwritten by: United States Fire Insurance Company
Administrative Office: 5 Christopher Way, Eatontown, NJ 07724
(Hereinafter referred to as “the Company”)

Plan Number USFPLNCD2009

This Certificate of Insurance describes the Collision Damage Insurance and Emergency Medical Evacuation, Medical Repatriation and Return of Remains benefits underwritten by United States Fire Insurance Company, hereinafter referred to as the Company. It provides the Insured with specific information about the benefit he or she purchased.

Table of Contents

  1. Coverages

  2. Definitions

  3. Insuring Provisions

  4. General Limitations and Exclusions

  5. General Provisions

  6. 24 Hour Emergency Assistance Services

Section I: Coverages

Collision Damage Insurance - applicable to residents of all states except Texas. If you are a resident of Texas, please click here for your Collision Damage Waiver benefit information.

The Maximum Benefit Amount is $35,000.

The Insured is eligible for benefits up to the Maximum Benefit Amount per reservation if the Insured rents a car while on the Covered Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in the Insured’s control while in the Insured’s possession, or the car is stolen while in the Insured’s possession and is not recovered. The Company will pay the lesser of:

  1. The cost of repairs and rental charges imposed by the rental company while the car is being repaired; or

  2. The Actual Cash Value of the car meaning purchase price less depreciation; or

  3. The Maximum Benefit Amount.

Coverage is provided to the Insured, provided the Insured and Traveling Companions are licensed drivers, and are listed on the rental agreement.

Coverage is provided to the Insured for up to 180 consecutive days.

What is not payable under Collision Damage Insurance
 

Unless otherwise stated, benefits are not payable for:

  1. Any obligation of the Insured, a Traveling Companion or Family Member traveling with the Insured assumed under any agreement (except insurance collision deductible);
  2. Rentals of trucks, campers, trailers, off-road or four wheel drive vehicles, motor bikes, motorcycles, recreational vehicles or Exotic Vehicles;
  3. Any loss which occurs if the Insured or anyone traveling with the Insured are in violation of the rental agreement;
  4. Failure to report the loss to the proper local authorities and the rental car company;
  5. Damage to any other vehicle, structure or person as a result of a covered loss;
  6. Any loss as the result of or attributed to driving the rental vehicle: while under the influence of alcohol or any illegal substance or the abuse of a legal substance; while using any medication which recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes, or transporting contraband;
  7. Any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the rental vehicle; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the vehicle; any dishonest act or conversion; any consequence of war (declared or otherwise); contamination by a radioactive material;
  8. Waiver or assumption of expenses by the commercial car rental agency; expenses covered under any other policy of insurance; any contents of the vehicle.

This benefit does not apply to cars rented in Jamaica, Republic of Ireland, Northern Ireland and Israel.

Additional Claims Provisions specific to Collision Damage Insurance
The following outlines the Insured’s Duties in the event of any damage to the vehicle. The Insured must:

  1. Take all necessary and reasonable steps to protect the vehicle and prevent further damage to it;

  2. Report the loss to the appropriate local authorities and the rental company as soon as possible;

  3. Obtain all information on any other party involved in the Accident, such as name, address, insurance information and driver’s license number;

  4. Provide the Company all documentation such as rental agreement, police report and damage estimate

Emergency Medical Evacuation, Medical Repatriation and Return of Remains

The Maximum Benefit Amount is $7,500

When an Insured suffers loss of life for any reason or incurs a Sickness or Injury during the course of a Covered Trip, the following benefits are payable, up to the Maximum Benefit Amount.

  1. For Emergency Medical Evacuation: If the local attending Legally Qualified Physician and the authorized travel assistance company determine that transportation to a Hospital or medical facility is Medically Necessary to treat an unforeseen Sickness or Injury which is acute or life threatening and adequate Medical Treatment is not available in the immediate area, the Transportation Expense incurred will be paid for the Usual and Customary Charges for transportation to the closest Hospital or medical facility capable of providing that treatment.

If an Insured is in the Hospital for more than seven consecutive days and the Insured’s dependent children who are under 18 years of age and accompanying the Insured on the Covered Trip, are left unattended, Economy Transportation will be paid to return the dependents to their home (with an attendant, if considered necessary by the travel assistance company).

If an Insured is traveling alone and is in the Hospital for more than seven consecutive days and Emergency Evacuation is not imminent, upon request of the Insured or next of kin if Insured is incapacitated, benefits will be paid to transport one person, chosen by the Insured, by Economy Transportation, for a single visit to and from his or her bedside.

  1. For Medical Repatriation:

a. If the local attending Legally Qualified Physician and the authorized travel assistance
    company determine that it is Medically Necessary for an Insured to return to his or her place
    of permanent residence because of an unforeseen Sickness or Injury which is acute or life-
    threatening, the Transportation Expense incurred will be paid for an Insured’s return to his or
    her permanent residence via:

i)  one-way Economy Transportation; or

ii) commercial upgrade, based on an Insured’s condition as recommended by the local
                       attending Legally Qualified Physician and verified
in writing.

Transportation must be via the most direct and economical route.

b. If the local attending Legally Qualified Physician and the authorized travel assistance
   company determine that it is Medically Necessary for an Insured to return to his or her place
   of permanent residence for continued treatment of an unforeseen Sickness or Injury which is

   acute or life-threatening, the Transportation Expense incurred will be paid for transportation to
   the Hospital or medical facility closest to an Insured’s permanent place of residence capable
   of providing that treatment. Transportation must be by the most direct and economical route.
   Covered land or air transportation includes, but is not limited to, commercial stretcher,
   medical escort, or the Usual and Customary Charges for air ambulance, provided such
   transportation has been pre-approved and arranged by the authorized travel assistance
   company.

  1. For Return of Remains: In the event of an Insured’s death, the expense incurred will be paid for minimally necessary casket or air tray, preparation and transportation of an Insured’s remains to his or her place of residence or to the place of burial.

Benefits are paid less the value of the Insured’s original unused return travel ticket.

If benefits are payable under Emergency Medical Evacuation, Medical Repatriation and Return of Remains and the insured has other insurance that may provide benefits for this same loss, the Company reserves the right to recover from such other insurance. The insured shall:

  1. notify the Company of any other insurance

  2. help the Company exercise the Company’s rights in any reasonable way that the Company may request, including the filing and assignment
    of other insurance benefits;

  3. not do anything after the loss to prejudice the Company’s rights; and

  4. reimburse to the Company, to the extent of any payment the Company has made, for benefits received from such other insurance.

Section II: Definitions

Confirmation Of Benefits means the coverage confirmation provided to You following enrollment and payment of the applicable premium.

Covered Trip means rental car arrangements purchased through Priceline.com for which (a) coverage is requested; and (b) the required premium is submitted prior to the Scheduled Departure Date.

Economy Transportation means the lowest published available transportation rate for a ticket on a Common Carrier matching the original class of transportation that the Insured purchased for the Covered Trip.

Exotic Vehicles includes Alfa Romeo, Aston Martin, Auburn, Avanti, Bentley, Bertone, BMC/Leyland, BMW M Series, Bradley, Bricklin, Clenet, Corvette, Cosworth, De Lorean, Excalibre, Ferrari, Iso, Jaguar, Jensen Healy, Lamborghini, Lancia, Lotus, Maserati, Mercedes Benz, MG, Morgan, Pantera, Panther, Pininfarina, Porsche, Rolls Royce, Rover, Stutz, Sterling, Triumph, and TVR.

Family Member means Your or a Traveling Companion’s: legal spouse or common-law spouse where legal; legal guardian; son or daughter (adopted, foster or step); son-in-law; daughter-in-law; grandmother; grandmother-in-law; grandfather; grandfather-in-law; grandchild; aunt; uncle; niece; or nephew; brother; step-brother; sister; step-sister; brother-in-law; sister-in-law; mother; father; step-parent.

Hospital means (a) a place which is licensed or recognized as a general hospital by the proper authority of the state in which it is located; (b) a place operated for the care and treatment of resident inpatients with a registered graduate nurse (RN) always on duty and with a laboratory and X-ray facility; (c) a place recognized as a general hospital by the Joint Commission on the Accreditation of Hospitals. Not included is a hospital or institution licensed or used principally: (1) for the treatment or care of drug addicts or alcoholics; or (2) as a clinic continued or extended care facility, skilled nursing facility, convalescent home, rest home, nursing home or home for the aged.

Injury or Injuries means accidental bodily injuries: (a) received while insured under the Policy and any attached coverages; (b) resulting in loss independently of sickness and all other causes; and (c) not excluded from coverage.

Insured
means the person(s) named on the enrollment form or Roster as the Principal Participant, participant’s spouse or participant’s child.


Legally Qualified Physician
means a physician or a Christian Science Practitioner (a) other than You, a Traveling Companion or a Family Member; (b) practicing within the scope of their license; and (c) recognized as a physician in the place where the services are rendered.

Maximum Benefit Amount means the maximum amount payable for coverage provided to an Insured is $35,000.
 

Medical Treatment means treatment advice or consultation by a Legally Qualified Physician.

Medically Necessary
means a service or supply which: (a) is recommended by the attending Legally Qualified Physician; (b) is appropriate and consistent with the diagnosis in accord with accepted standards of community practice; (c) could not have been omitted without adversely affecting Your condition or quality of medical care; (d) is delivered at the most appropriate level of care and not primarily for the sake of convenience; and (e) is not considered experimental unless coverage for experimental services or supplies is required by law.


Scheduled Departure Date
means the date on which You are originally scheduled to leave on the Covered Trip (pick up the rental car).


Scheduled Return Date
means the date on which You are originally scheduled to return to the point of origin or the original final destination (return the rental car).

Sickness means an illness or disease that is diagnosed or treated by a Legally Qualified Physician after the effective date of insurance and while You are covered under the Policy.

Third Party
means a person or entity other than You or the Company.

Transportation Expense means (a) the cost of conveyance of You and any medical personnel (if Medically Necessary); and (b) Medically Necessary services or supplies.

Traveling Companion
means a person or persons with whom a covered person has coordinated travel arrangements and intends to travel with during the Covered Trip.


Usual and Customary Charges
means those comparable charges for similar treatment, services and supplies in the geographic area where treatment is performed.

Section III: Insuring Provisions

Insured’s Term of Coverage:
Coverage begins at the point and time of departure on the Scheduled Departure Date. Coverage ends at the point and time of return on Your Scheduled Return Date.

In the event the Scheduled Departure Date and/or the Schedule Return Date are delayed, or the point and time of departure and/or point and time of return are changed because of circumstances over which neither the Travel Supplier nor You have control Your term of coverage shall be automatically adjusted accordance with the Travel Supplier’s notice to the Company of the delay or change.

Section IV: General Limitations and Exclusions

Note: These limitations and exclusions are applicable to Emergency Evacuation and Medical Repatriation only.

Provisions Benefits are not payable for Sickness, Injuries or losses of the Insureds or the Insured’s Traveling Companion:

  1. resulting from suicide, attempted suicide or any intentionally self-inflicted injury while sane or insane (in Missouri, sane only);

  2. resulting from an act of declared or undeclared war;

  3. while participating in maneuvers or training exercises of an armed service;

  4. while riding, driving or participating in races, or speed or endurance contests;

  5. while mountaineering (engaging in the sport of scaling mountains generally requiring the use of picks, ropes, or other special equipment);

  6. while participating as a member of a team in an organized sporting competition;

  7. while participating in skydiving, hang gliding, bungee cord jumping, scuba diving if the depth exceeds 130 feet or if The Insured are not
    certified to dive and a dive master is not present during the dive; or deep sea diving;

  8. while piloting or learning to pilot or acting as a member of the crew of any aircraft;

  9. received as a result or consequence of being Intoxicated, as specifically defined in the policy, or under the influence of any controlled
    substance unless administered on the advice of a Legally Qualified Physician;

  10. to which a contributory cause was the commission of or attempt to commit a felony or being engaged in an illegal occupation;

  11. due to normal childbirth, normal pregnancy (except complications of pregnancy) or voluntarily induced abortion;

  12. which exceed the Maximum Benefit Amount for each attached coverage; or

  13. due to a mental or nervous condition, unless hospitalized.

Section V. General Provisions

Notice of Claim: Notice of claim must be reported within 20 days after a loss occurs or as soon as is reasonably possible. You or someone on Your behalf may give the notice. The notice should be given to the Company or designated representative and should include sufficient information to identify the Insured.

Claim Forms: When notice of claim is received by the Company or designated representative, forms for filing proof of loss will be furnished. If these forms are not sent within 15 days, the proof of loss requirements can be met by sending a written statement of what happened. This statement must be received within the time given for filing proof of loss.

Proof of Loss:
Proof of loss must be provided within 90 days after the date of the loss or as soon as is reasonably possible. Proof must, however, be furnished no later than 12 months from the time it is otherwise required, except in the absence of legal capacity.


Time of Payment of Claims:
The Company or its designated representative will pay the claim after receipt of acceptable proof of loss.


Payment of Claims:
Benefits for loss of life are payable to the Principal Insured, who is the beneficiary for all other Insureds, if: (a) the Principal Insured predeceases You: and (b) a beneficiary is not otherwise designated by the Principal Insured benefits for loss of life will be paid to the first of the following surviving preference beneficiaries:

  1. the Principal Insured’s spouse;

  2. the Principal Insured’s child or children jointly;

  3. Your parents jointly if both are living or the surviving parent if only one survives;

  4. Your brothers and sisters jointly; or

  5. the Principal Insured’s estate.

All or a portion of all other benefits provided by the Policy may, at the option of the Company, be paid directly to the provider of the service(s). All benefits not paid to the provider will be paid to the Principal Insured.

Other than for loss of life, if any benefit is payable to: (a) You or the Principal Insured’s beneficiary who is minor or otherwise not able to give a valid release; or (b) the Principal Insured’s estate, the Company may pay up to $1,000.00 to the Principal Insured’s beneficiary or any relative to whom the Company finds entitled to the payment. Any payment made in good faith shall fully discharge the Company to the extent of such payment.

Physician Examination and Autopsy: The Company, at the expense of the Company, may have You examined when and as often as is reasonable while the claim is pending. The Company may have an autopsy done (at the expense of the Company) where it is not forbidden by law.

Legal Actions:
No legal action for a claim can be brought against us until 60 days after we receive proof of loss. No legal action for a claim can be brought against us more than 3 years after the time required for giving proof of loss. This 3-year time period is extended from the date proof of loss is filed and the date the claim is denied in whole or in part.


Concealment and Misrepresentation:
The entire coverage will be void, if before, during or after a loss, any material fact or circumstance relating to this insurance has been concealed or misrepresented.


Other Insurance with the Company: You may be covered under only one travel policy with the Company for each Covered Trip. If You are covered under more than one such policy, You may select the coverage that is to remain in effect. In the event of death, the selection will be made by the beneficiary or estate. Premiums paid (less claims paid) will be refunded for the duplicate coverage that does not remain in effect.

Subrogation:
If the Company has made a payment for a loss under this coverage, and the person to or for whom payment was made has a right to recover damages from the Third Party responsible for the loss, the Company will be subrogated to that right. You shall help the Company exercise the Company’s rights in any reasonable way that the Company may request: nor do anything after the loss to prejudice the Company’s rights: and in the event You recover damages from the Third Party responsible for the loss, the Insured will hold the proceeds of the recover for the Company in trust and reimburse the Company to the extent of the Company’s previous payment for the loss.


Report your claim to Berkely at the address/phone listed below. Provide the Plan Number USFPLNCD2009, your travel dates, and details describing the nature of your loss. Upon receipt of this information, Berkely will promptly forward you the appropriate claim form to complete and return along with the documentation referenced above (i.e. police report, rental agreement, damage estimate, etc.).

To report claims or for coverage questions, Please contact:

Online Claim Initiation: www.travelclaim.com
By Phone: Toll free at: 1-(877) 892-7951 or 1-(516) 342-2720
By Mail:  Berkely, 300 Jericho Quadrangle, P.O. Box 9022, Jericho, NY 11753
By E-mail: tripprotect@berkely.com

This program was designed and is administered by Aon Affinity Berkely Travel.

Aon Affinity is the brand name for the brokerage and program administration operations of Affinity Insurance Services, Inc.; (AR 244489); in CA, MN & OK, AIS Affinity Insurance Agency, Inc. (CA 0795465); in CA, Aon Affinity Insurance Services, Inc., (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY and NH, AIS Affinity Insurance Agency. Affinity Insurance Services is acting as a Managing General Agent as that term is defined in section 626.015(14) of the Florida Insurance Code. As an MGA we are acting on behalf of our carrier partner.

Reductions in the Amount of Insurance: The applicable benefit amount will be reduced by the amount of benefits, if any, previously paid for any loss or damage under this coverage for this Covered Trip.

Notice to California residents: This plan provides insurance coverage that applies only during
the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home and automobile policies. If you have any questions about your current coverage, call your insurer, insurance agent or broker. The purchase of this plan is not required in order to purchase any other travel product or service offered to you by your travel retailers. Unless individually licensed as an insurance agent, your travel agent is not qualified or authorized to answer your technical questions about the benefits, exclusions or conditions of this plan or to evaluate the adequacy of any existing insurance coverage you may have. Questions should be directed to the plan administrator at the toll-free number provided.

State Exceptions

ARKANSAS: The Provision entitled “Legal Actions” is amended so that the “three year” period reads “five years or within the time allowed by law”.

FLORIDA:
The Provision, Legal Actions is deleted and replaced with the following: Legal Actions: No legal action for a claim can be brought against us until 60 days after we receive proof of loss. No legal action for a claim can be brought against us more than 5 years after the time required for giving proof of loss. This 5-year time period is extended from the date proof of loss is filed and the date the claim is denied in whole or in part.


HAWAII:
The provision entitled “Arbitration” is deleted in its entirety.


IDAHO:
The definition of Hospital is amended to read:Hospital means a provider that is a short-term, acute, general hospital that:

  1. is a duly licensed institution;
  2. in return for compensation from its patients, is primarily engaged in providing Inpatient diagnostic and therapeutic services for the diagnosis, treatment, and care of injured and sick person by or under supervision of Physicians;
  3. has organized departments of medicine and major surgery;
  4. provides 24-hour nursing service by or under the supervision of registered graduate nurses; and
  5. is not other than incidentally: a) a skilled nursing facility, nursing home, custodial care home, health resort, spa or sanatorium, place for rest, or place for the aged; b) a place for the treatment of mental Illness; c) a place for the treatment of alcoholism or drug abuse, place for the provision of hospice care; or d) a place for the treatment of pulmonary tuberculosis.

ILLINOIS: The following statement is added to General Claim Provisions, the section titled Time of Payment Of Claims:

All claims will be paid within 30-days after receipt of due written proof of loss. If we have not paid the claim within this timeframe, we will pay interest at the rate of 9% from the 30th day after receipt of all necessary proof of loss, to the date of payment. We will not pay interest amounting to less than one dollar.

Except as stated herein, this Amendatory Endorsement does not change coverage in any other way and is subject to all provisions, terms, and conditions of the Policy. If there is a conflict between the Policy and this Amendatory Endorsement, the terms of this Amendatory Endorsement will govern.

MAINE:The exclusion related to Terrorist Events is deleted in its entirety.

MISSISSIPPI:
The provision entitled “Notice of Claim” is amended so that the “20 days” notice reads “30 days”.

The provision entitled “Time of Payment of Claims” is amended to read: Benefits payable for any loss will be paid within 45 days after receipt of due written proof of such loss. Benefits due are overdue if not paid within 45 days after the Company or We receive proof of loss and the necessary information to adjudicate the claim and the necessary medical information and other information essential for Us to administer any coordination of benefits and subrogation provisions. If such information is not supplied as to the entire claim, the amount supported by reasonable proof is overdue if not paid within 45 days after the Company receives such proof. Any part or all of the remainder of the claim that is later supported by such proof is overdue if not paid within 45 days after the Company receives such proof. To calculate the extent to which any benefits are overdue, payment shall be treated as made on the date a draft or other valid instrument was placed in the United States mail to the last known address of the claimant or beneficiary in a properly addressed, postpaid envelope, or if not so posted, on the date of delivery.

If the claim is not denied for valid and proper reasons by the end of such period of 45 days, the Company must pay You interest on accrued benefits at the rate of one and one-half percent (1 ½ %) per month on the amount of such claim until it is finally settled or adjudicated.

In the event the Company fails to pay benefits when due, the person entitled to such benefits may bring action to recover such benefits, any interest that may accrue as provided above and any other damages as may be allowable by law. The Provision entitled “Physical Examination and Autopsy” is re-titled “Physical Examination” and amended to read: Physical Examination: The Company has the right to physically examine You as often as reasonably needed while a claim is pending. The Company will bear all costs for this.


The provision entitled “Subrogation” is amended to read: Subrogation: To the extent the Company pays for a loss suffered by You, the Company will take over the rights and remedies You had relating to the loss. This is known as subrogation. You must help the Company to preserve its rights against those responsible for the loss. This may involve signing any papers and taking any other steps the Company may reasonably require. If the Company takes over Your rights, You must sign an appropriate subrogation form supplied by the Company. No subrogation will occur until You have been made whole for your damages.


MISSOURI:
The Subrogation provision is deleted in its entirety.


The Legal Actions provision is amended to read: Legal Actions - No legal action for a claim can be brought against the Company until sixty (60) days after the Company receives proof of loss. No legal action for a claim can be brought against the Company more than three (3) years after the time required for giving proof of loss.

With regard to medical expenses, the “Payment of Claims” provision is amended by the addition of the following provision:

If You utilize a public hospital or clinic, and such hospital or clinic submits a claim for benefits, whether or not such person has made an assignment of benefits, the Company will pay the benefits provided by the policy directly to the hospital or clinic. If, however, a claim for benefits provided by the policy is paid and then such public hospital or clinic files a claim for benefits, the Company will not be liable for the duplicate payment of such benefits to such hospital or clinic.


MONTANA:
The following provision is added to the General Provisions section: Conformity with Montana statutes: The provisions of this certificate conform to the minimum requirements of Montana law and control over any conflicting statutes of any state in which the insured resides on or after the effective date of this certificate.

NEW HAMPSHIRE: The definition of Family Member is amended to read: Family Member means an Insured’s or a Traveling Companion’s: legal spouse or common-law spouse where legal; legal guardian; son or daughter (adopted, foster or step); child placed for adoption with the Insured or Traveling Companion; son-in-law; daughter-in-law; grandmother; grandmother-in-law; grandfather; grandfather-in-law; grandchild; aunt; uncle; niece; or nephew; brother, step-brother; sister; step-sister; brother-in-law; sister-in-law; mother; father; step-parent.

Proof of Loss is amended to read: Proof of Loss: Proof of loss must be provided within 90 days after the date of the loss or as soon as is reasonably possible.

SOUTH CAROLINA: The provision entitled “Legal Actions” is amended so that the “three year” period reads “six years”. The provision entitled “Subrogation” is amended to read: Subrogation: If the Company has made a payment for a loss under this coverage, and the person to or for whom payment was made has a right to recover damages from the Third Party responsible for the loss, the Company will be subrogated to that right for not more than the amount of insurance benefits that the Company has paid previously in relation to THE Insured’s Injury by the liable Third Party. An Insured shall help the Company exercise the Company’s rights in any reasonable way that the Company may request: nor do anything after the loss to prejudice the Company’s rights: and in the event an Insured recovers damages from the Third Party responsible for the loss, the Insured will hold the proceeds of the recover for the Company in trust and reimburse the Company to the extent of the Company’s previous payment for the loss. Attorneys’ fees and costs must be paid by the Company from the amounts recovered.

The provision entitled “Time of Payment of Claims” is amended to read: Time of Payment of Claims: The Company or its designated representative will pay the claim within 60 days after receipt of acceptable proof of loss.

VERMONT: The following disclosure is added to the certificate as follows:

This travel program is a limited benefit program. Read your certificate carefully.

The following provision is added to the General Provisions section: Vermont law requires that insurance policies offered to married persons and their families be made available to parties to a civil union and their families. In order to receive benefits in accordance with this endorsement, the civil union must be established in the state of Vermont according to Vermont law.

It is understood that policy definitions and provisions designating

  • an insured
  • named insured
  • who is insured
  • who is a named insured
  • covered person(s)
  • you and/or your
  • spouse
  • family member

and any other policy or certificate definitions and provisions designating an insured under this certificate, are amended, wherever appearing, where terms denoting a marital relationship or family relationship arising out of a marriage are used, to indicate parties to a civil union and their families under Vermont law.

WISCONSIN: The provision entitled “Subrogation” is amended to read: Subrogation: If the Company has made a payment for a loss under this coverage, and the person to or for whom payment was made has a right to recover damages from the Third Party responsible for the loss, the Company will be subrogated to that right. An Insured shall help the Company exercise the Company’s rights in any reasonable way that the Company may request: nor do anything after the loss to prejudice the Company’s rights: and in the event an Insured recovers damages from the Third Party responsible for the loss, the Insured will hold the proceeds of the recover for the Company in trust and reimburse the Company to the extent of the Company’s previous payment for the loss. No subrogation will take place until the Insured is made whole.

In the General Limitations and Exclusions section, the exclusion related to device, weapon or material employing or involving chemical, biological, radiological or similar agents is deleted in its entirety.

WYOMING:
The provision entitled “Legal Actions” is amended so that the “three year” period reads “four years”.

Section VI. Worldwide Emergency Assistance provided by On Call International

On Call International’s 24/7/365 global network includes:

  • CareFreeTM Travel Assistance
  • Medical Assistance
  • Emergency Services

CareFreeTM  Travel Assistance

Travel Arrangements

  • Arrangements for last-minute flight and hotel changes
  • Luggage Locator (reporting/tracking of lost, stolen or delayed baggage)
  • Hotel finder and reservations
  • Airport transportation
  • Rental car reservations and automobile return
  • Coordination of travel for visitors to bedside
  • Return travel for dependent/minor children
  • Assistance locating the nearest embassy or consulate
  • Cash transfers
  • Assistance with bail bonds

Pre-Trip Information

  • Destination guides (hotels, restaurants, etc.)
  • Weather updates and advisories
  • Passport requirements
  • Currency exchange
  • Health and safety advisories

Documents and Communication

  • Assistance with lost travel documents or passports
  • Live email and phone messaging to family and friends
  • Emergency message relay service
  • Multilingual translation and interpretation services

Medical Assistance and Managed Care

  • Medical case management, consultation and monitoring
  • Medical Transportation
  • Dispatch of a doctor or specialist
  • Referrals to local medical and dental service providers
  • Worldwide medical information, up-to-the-minute travel medical advisories, and immunization requirements
  • Prescription drug replacement
  • Replacement of eyeglasses, contact lenses and dental appliances

Emergency Services

  • Emergency medical and dental assistance
  • Emergency legal assistance
  • Emergency family travel arrangements

CareFreeTM  Travel Assistance, Medical Assistance and Emergency Services can be accessed by calling On Call International at 1-800-618-0692 or, from outside the U.S. or Canada, call collect*: 1-603-898-2679.

* If you have any difficulty making this collect call, contact the local phone operator to connect you to a US-based long-distance service. In this case, please let the Assistance Provider answering the phone know the number you are calling from, so that he/she may call you back. Any charges for the call will be considered reimbursable benefits.
 

Note that the problems of distance, information, and communications make it impossible for United States Fire Insurance Company, Berkely, your travel seller, or On Call International to assume any responsibility for the availability, quality, use, or results of any emergency service. In all cases, you are still responsible for obtaining, using, and paying for your own required services of all types.

 

1/2012

For additional information regarding the plan, call Berkely at
1.877.892.7951 or 1.516.342.2720
Office Hours: 8:00 AM - 10:00 PM ET, Monday - Friday, 9:00 AM - 5:00 PM ET, Saturday

The following information applies to Texas residents only
Effective July 19, 2011

United States Fire Insurance Company
Administrative Office:  5 Christopher Way, Eatontown, New Jersey 07724
Auto Rental Insurance Policy

Notice to TX Residents

Your rental agreement may offer, for an additional charge, an optional damage waiver to cover all or part of Your responsibility for damage to or loss of the vehicle. Before deciding whether to purchase the waiver or this policy, You may wish to determine whether Your own automobile insurance or credit card agreement provides You coverage for rental vehicle damage or loss and determine the amount of the deductible under Your own insurance coverage. The purchase of the damage waiver or this insurance policy is not mandatory. The waiver is not insurance.

This coverage is not all inclusive, which means it does not cover such things as personal injury, personal liability, or personal property. It does not cover You for any damages to other vehicles or property. It does not cover You for any injury to any other party.

T100-RCDDISC-TX

_____________________________________________________________________________________

United States Fire Insurance Company
Administrative Office:  5 Christopher Way, Eatontown, New Jersey 07724

Declarations Page

Policy Number: USFPLNCD2011-TX

Policyholder: The Driver as listed on your email confirmation
Address: Billing address as listed on your email confirmation

Auto Rental Insurance Policy To Report A Claim Under This Policy Call 1-(877) 892-7951

Policy Effective Date: The date the plan cost is paid.

Date Coverage Begins: Start date listed on the Rental Car Agreement.
Coverage Premium: The amount listed after “Collision Damage Insurance” on your email confirmation.
Date Coverage Ends: End date listed on the Rental Car Agreement.
Rental Car MSRP Limit: $35,000

Please Keep This Policy In A Safe Place

T100-RCDDEC-TX

_____________________________________________________________________________________

United States Fire Insurance Company
Administrative Office:  5 Christopher Way, Eatontown, New Jersey 07724
(Herein Called “We”, “Our, or “Us”)

Auto Rental Insurance Policy

A. Definitions

Throughout this document, You and Your refer to the insured individual and Authorized Driver indicated on the Declarations Page. We, Us, and Our refer to United State Fire Insurance Company. In addition, when in bold certain words and phrases are defined as follows:

Actual Cash Value means the amount an item is determined to be worth based on its market value, age and condition at the time of loss.

Administrator
means Berkely. You may contact the Administrator if You have questions regarding this coverage or would like to make a claim. The Administrator can be reached by phone at 1-(877) 892-7951 or mail at 300 Jericho Quadrangle, PO Box 9022, Jericho, NY 11753.


Authorized Driver
means a driver with a valid driver’s license issued from their state of residence and indicated on the Rental Car Agreement.


Declarations Page
means the attached document listing the named insured, benefit(s), and limits.


Policy
means this document, which describes the terms, conditions, and exclusions of this coverage. This Policy is the entire agreement between You and Us. Representations or promises made by any person that are not contained in this Policy are not a part of Your coverage.


Rental Car
means a land motor vehicle with four or more wheels, that is designed for use on public roads and for which You have rented for the period of time shown on the Rental Car Agreement.


Rental Car Agreement
means the entire contract that You receive when renting a Rental Car from a rental car agency that describes in full all of the terms and conditions of the rental, as well as the responsibility of all parties under the Rental Car Agreement.

B. Insuring Agreement:

Coverage is provided for the period of time shown on the Rental Car Agreement.

We will pay for the following on a primary basis:

  1. Physical damage to a Rental Car that occurs while You are driving the Rental Car or while the Rental Car is left unattended during the rental period;
  2. Reasonable and customary loss of use imposed by the Rental Car agency for the period of time the rental vehicle is out of service being repaired. Loss of use must be substantiated by a location and class specific fleet utilization log;
  3. Any loss of, or damage to the Rental Car resulting from causes other than a collision (i.e. fire, storm, vandalism, or theft)

This coverage is not all-inclusive, which means it does not cover such things as personal injury, personal liability, or personal property. It does not cover You for any damages to other vehicles or property. It does not cover You for any injury to any other party.

C. Eligibility Requirements:

To be eligible for coverage:

  1. You must rent the vehicle in your own name and sign the Rental Car Agreement.
  2. Your Rental Car Agreement must be for a rental period of forty-five (45) consecutive days or less. Rental periods that exceed or are intended to exceed forty-five (45) consecutive days are not covered.
  3. You must rent a vehicle that is designed to accommodate nine (9) passengers or fewer.

D. Coverage Limitations:

We will pay the lesser of the following:

  1. The reasonable and customary cost of repairs and loss of use while the Rental Car is being repaired: or
  2. The Actual Cash Value of the Rental Car less salvage.
  3. The Rental Car Maximum Benefit Amount indicated on the Declarations Page.

E. Exclusions:

Coverage does not apply to:

  1. Vehicles rented in Israel, Jamaica, or the Republic of Ireland or Northern Ireland;
  2. Vehicles not required to be licensed;
  3. All trucks, pickups, full-size vans mounted on truck chassis, jeep-type vehicles, campers, off-road vehicles, and other recreational vehicles.
  4. All sport utility trucks. These are vehicles that have been or can be converted to an open, flat bed truck (including, but not limited to, Chevy Avalanche, GMC Envoy, and Cadillac Escalade EXT);
  5. Trailers, motorbikes, motorcycles, and any other vehicle having fewer than four (4) wheels;
  6. Antique vehicles (vehicles that are more than twenty (20) years old or have not been manufactured for at least ten (10) years), or limousines.
  7. Vehicles used for commercial or livery use whether or not licensed for such use (commercial use includes hauling or transporting materials or goods necessary to or reasonably considered to be engaged in a commercial or livery use).
  8. Any person not designated in the Rental Car Agreement as an Authorized Driver.
  9. Exotic vehicles including; Alfa Romeo, Aston Martin, Auburn, Avanti, Bentley, Bertone, BMC/Leyland, BMW M Series, Bradley, Bricklin, Clenet, Corvette, Cosworth, De Lorean, Excalibre, Ferrari, Iso, Jaguar, Jensen Healy, Lamborghini, Lancia, Lotus, Maserati, Mercedes Benz, MG, Morgan, Pantera, Panther, Pininfarina, Porsche, Rolls Royce, Rover, Stutz, Sterling, Triumph, and TVR.
  10. Any loss which occurs if You or anyone traveling with You is in violation of the Rental Car Agreement;
  11. Any loss not reported to the rental car agency;
  12. Failure to report the loss to the proper local authorities;
  13. Any vehicle used off maintained roadways;
  14. Misuse or abuse of vehicle when driven on roads that are not paved with cement or tarmac;
  15. Damage to any other vehicle, structure or person as a result of a covered loss;
  16. Any loss as the result of or attributed to driving the Rental Car: in a speed competition;
  17. Any loss as the result of or attributed to driving the Rental Car: while under the influence of alcohol or any illegal substance or the abuse of a legal substance; or while using medication which recommends abstinence from driving;
  18. Any loss as the result of or attributed to driving the Rental Car: for illegal trade purposes, including the seizure of the vehicle by federal or state law enforcement officers as evidence in a case against You under Chapter 481 of the Texas Health and Safety Code or the Federal Controlled Substances Act;
  19. Any loss as the result of or attributed to driving the Rental Car: transporting contraband, including the seizure of the vehicle by federal or state law enforcement officers as evidence in a case against You under Chapter 481, of the Texas Health and Safety Code or the Federal Controlled Substances Act;
  20. Damages due and confined to: a) wear and tear; b) freezing; or c) mechanical or electrical breakdown or failure;
  21. Any dishonest act or conversion;
  22. Loss due to or as a consequence of: a) radiation contamination; b) discharge of nuclear weapon (even if accidental); c) war (declared or otherwise); d) civil war; e) insurrection; or f) rebellion or revolution;
  23. Waiver or assumption of expenses by the rental car agency;
  24. Expenses covered under any other policy of insurance;
  25. Any contents within the vehicle;
  26. A Rental Car Agreement of more than forty-five (45) consecutive days.

F. How to File a Claim:

To file a claim, You must contact the Administrator at 1-(877) 892-7951 to request a claim form. You must report the claim within twelve (12) months of the loss.

A claim form will be sent to You. The fully completed claim form must be returned to the Administrator at 300 Jericho Quadrangle, PO Box 9022, Jericho, NY 11753 with:

  1. Copy of the rental agreement (front and back).
  2. Copy of valid driver’s license (front and back).
  3. Police report verifying that the vehicle was stolen, vandalized, or involved in a collision.
  4. Any other documents the Administrator may reasonably request to validate a claim.

Notice of Claim: We shall, not later than the fifteenth (15th) day after receipt of such notice of a claim:

  1. Acknowledge receipt of the claim;
  2. Commence any investigation of the claim; and
  3. Request from You or Your family member all items, statements, and forms that We reasonably believe, at that time, will be required. Additional requests may be made if, during the investigation of the claim such additional information is necessary.

If the acknowledgement of the claim is not made in writing, We will make a record of the date and content of the acknowledgement.

We will notify You in writing of the acceptance or rejection of the claim not later than the fifteenth (15th) business day (which is other than a Saturday, Sunday or holiday) after the date We receive all items, statements and forms required in order to secure final proof of loss. If We reject the claim, We will inform You of the reasons for the rejection. If We are unable to accept or reject the claim within fifteen (15) business days after We receive all items, statements and forms required, We will notify You within such fifteen (15) business days. The notice provided must give the reasons that We need additional time. Not later than the forty fifth (45th) day after the date We notify You of the need for additional time to investigate a claim, We will accept or reject the claim.

Except as otherwise provided, if We delay payment of a claim following its receipt of all items, statements and forms reasonably requested and required for more than sixty (60) days, We will pay, in addition to the amount of the claim eighteen percent (18%) per annum of the amount of such claim as damages, together with reasonable attorney fees. If suit is filed, such attorney fees shall be taxed as part of the costs in the case.

Payment of Claim: If We notify You that We will pay a claim or part of a claim, We will pay the claim not later than the fifth (5th) business day after the notice has been made. If payment of the claim or part of the claim is conditioned on the performance of an act by You, We will pay the claim not later than the fifth (5th) business day after the date the act is performed.

Benefits payable under this Policy for any loss will be paid upon receipt of proof of such loss and all required information necessary to support the claim.

Benefits will be payable directly to the rental car agency, as shown on your Rental Car Agreement

G. Cancellation and Non-Renewal:

Coverage can be:

  1. Cancelled by You at any time by sending written notification to the Administrator. If You cancel Your coverage, We will refund any unearned premium on a pro-rata basis.
  2. Cancelled by Us or Our designated representative as follows:
    a. For non payment of premium. If We cancel coverage, We will send You written notification at
        least ten (10) days in advance of cancellation;

    b. For any other reason. If We cancel coverage, We will send You written notification at least
        thirty (30) days in advance of cancellation
  3. Coverage will not end solely because You are an elected official in Texas. 

H. General Provisions:

Dispute Resolution - Arbitration: If there is an unresolved dispute between You and United State Fire Insurance Company concerning this Policy You and Us can enter into binding arbitration. Under this Arbitration provision, You give up your right to resolve any dispute arising from this Policy by a judge and/or a jury. You also agree not to participate as a class representative or class member in any class action litigation, any class arbitration or any consolidation of individual arbitrations. In arbitration, a group of three arbitrators (each of whom is an independent, neutral third party) will give a decision after hearing Your and Our positions. The decision of a majority of the arbitrators will determine the outcome of the arbitration and the decision of the arbitrators shall be final and binding and cannot be reviewed or changed by, or appealed to, a court of law.

To start arbitration, either You or United State Fire Insurance Company must make a written demand to the other party for arbitration. This demand must be made within two (2) years of the earlier of the date the loss occurred or the dispute arose. You and United State Fire Insurance Company will each separately select an arbitrator. The two arbitrators will select a third arbitrator called an “umpire.” You will pay the expense of the arbitrator You selected and We will pay the expense of the arbitrator We selected. The expense of the umpire will be shared equally by You and United State Fire Insurance Company. Arbitration will take place in Texas unless You and United State Fire Insurance Company both mutually agree on an alternate. The arbitration shall be governed by the Federal Arbitration Act (9 U.S.C.A. § 1 et. seq.) and not by any state law concerning arbitration. The rules of the American Arbitration Association (www.adr.org) will apply to any arbitration under this Policy.

Conformity of Statue: Any parts of this Policy that are in conflict with the state laws where this Policy is issued are automatically changed to conform to the minimum requirements of such laws.
Legal Actions: No action at law or in equity shall be brought to recover under this Policy prior to the expiration of ninety (90) days after proof of loss has been furnished in accordance with the requirements of this coverage.

Misrepresentation and Fraud: Benefits may be denied or reduced, whether before or after a loss, if You have concealed or misrepresented any material fact or circumstance concerning this coverage or the subject thereof, or the interest of You therein.

Signed for The United States Fire Insurance Company By:

Douglas M. Libby James Kraus
Chairman and CEO Secretary

100-RCDP-TX

Texas - Important Notice

To obtain information or make a complaint:

You may call the United States Fire Insurance Company’s toll-free telephone number for information or to make a complaint at:
1-800-232-7380

You may also write to the United States Fire Insurance Company at:
The United States Fire Insurance Company

Complaint Department
c/o Fairmont Specialty
5 Christopher Way
Eatontown, NJ  07724

Web: http://www.tdi.state.tx.us

Email: ConsumerProtection@tdi.state.tx.us  

You may contact the Texas Department of Insurance to obtain information on companies, coverages, rights or complaints at:
1-800-252-3439

You may write the Texas Department of Insurance:

P. O. Box 149104
Austin, Texas  78714-9104
FAX No. 512-475-1771

PREMIUM OR CLAIM DISPUTES:  Should you have a dispute concerning your premium or about a claim you should contact the agent first.  If the dispute is not resolved, you may contact the Texas Department of Insurance.

ATTACH THIS NOTICE TO YOUR POLICY.
This Notice is for information only and does not become part of condition of the attached document.

 Texas- Aviso Importante

Para obtener informacion o para someter una queja:

Usted puede llamar al numero de telefono gratis de the United States Fire Insurance Company para informacion o para someter una queja al:
1-800-232-7380


Usted tambien puede escribir a United States Fire Insurance Company:
The United States Fire Insurance Company

Complaint Department
c/o Fairmont Specialty
5 Christopher Way

Eatontown, NJ  07724

Web: http://www.tdi.state.tx.us  

Email: ConsumerProtection@tdi.state.tx.us
 

Puede comunicarse con el Departamento de Seguros de Texas para obtener informacion acerca de companias, coberturas, derechos o quejas al:
1-800-252-3439


Puede escribir al Departamento de Seguros de Texas:

P. O. Box 149104
Austin,  Texas  78714-9104
FAX No. 512-475-1771

DISPUTAS SOBRE PRIMAS O RECLAMOS: Si tiene una disputa concerniete a su prima o a un reclamo, primero debe comunicarse con el agente.  Si no se resuelve la disputa, puede entonces comunicarse con el Departamento (TDI).

ANADA/ADJUNTE UNA ESTE AVISO A SU POLIZA:
Este aviso es solo para proposito de informacion y no se convierte en parte o condicion del documento adjunto.


NP 25009 7
1/2012

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